MOST of my clients -- large and small -- ask for a copy of my E&O (which is for $1 million because I am the point person for a network of abstractors.  Since the orders come in to me, any mistake that is made will rest on the shoulders of my E&O first even tho the individual, independent abstractors ALSO carry E&O). 

E&O will help you rest better at night, yes, but I strongly urge everyone to become an LLC.  It is inexpensive and easy (in most states).  It will protect your personal assets.  Even tho it costs more, I'd check with a lawyer.  They can do it for you and explain what an LLC can and cannot do.

Alix
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